Clients
Isabelle Graf
RetailIndividual · Client since 2006 · Chur, GR · KYC: Enhanced
Relationship manager
Beat Baumann
Business Banking · Luzern
Cash
CHF 102k
Deposits
CHF 143k
Investments
CHF 196k
Lending
CHF 0
Net flow 30d CHF 24k
Relationship summary
Synthetic banking dataPrivate client in the Retail segment, with the bank since 2006 and based in Chur. Total deposits CHF 143'100, investments CHF 195'800, lending CHF 0. Net flow over the last 30 days is CHF 24'200. No opportunity signals are currently open.
Accounts
| Type | IBAN | Currency | Balance |
|---|---|---|---|
| Current | CH48 0076 6319 8802 4169 0 | CHF | CHF 51'200 |
| Custody | CH21 0076 3087 6748 8159 2 | CHF | CHF 195'800 |
Lending
| Facility | Detail | Rate | Balance |
|---|
Portfolio
| Asset class | Instrument | Value | YTD |
|---|---|---|---|
| Cash | Swiss Government Bonds | CHF 62'700 | 7.4% |
| Equities | Money Market CHF | CHF 58'300 | 9.1% |
| Bonds | SMI Index Fund | CHF 74'800 | 10.7% |
Opportunities and signals
| Type | Reason | Confidence | Value | Action |
|---|---|---|---|---|
| Risk | Model output on synthetic data — illustrative only. | 72% | — | Credit deterioration |
Recent transactions
Latest 12| Date | Description | Channel | Amount |
|---|---|---|---|
| 2026-08-12 | Apotheke Zentrum | SIC | CHF 7'014 |
| 2026-08-03 | Digitec Galaxus | Standing order | CHF 5'836 |
| 2026-07-30 | Restaurant Rebstock | SEPA | CHF -5'426 |
| 2026-07-20 | Krankenkasse Helvetia | Standing order | CHF 1'650 |
| 2026-07-04 | Restaurant Rebstock | SWIFT | CHF -3'021 |
| 2026-06-15 | Restaurant Rebstock | Internal | CHF 3'564 |
Interactions
- Branch2026-03-31
Mortgage renewal options discussed by phone.
- E-banking2025-09-28
Pension planning consultation booked.
- Email2025-07-10
Pension planning consultation booked.